Search found 6853 matches

by Dottie57
Tue Nov 12, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1136

Re: Hi Def Audio listening

I bought this last year. It is an amplifier and does not include a tuner for over the air radio. https://www.amazon.com/BT20A-Bluetooth-Audio-Amplifier-Integrated/dp/B07BQC7GNL/ref=sr_1_5?keywords=class+d+receiver&qid=1573563927&s=car&sr=1-5-catcorr This works well for my purposes. Look at the featu...
by Dottie57
Tue Nov 12, 2019 6:50 am
Forum: Personal Investments
Topic: Extra contributions to 401k ?? has anyone heard of this
Replies: 6
Views: 871

Re: Extra contributions to 401k ?? has anyone heard of this

belated thanks for your comments yes she can do ROTH conversion - this is a fairly large employer - not that guarantees success but they have fidelity working with them and they have inhous financial experts as well working on this plan we are considering making the conversion immediately so that t...
by Dottie57
Tue Nov 12, 2019 6:47 am
Forum: Personal Investments
Topic: inheritance
Replies: 15
Views: 2055

Re: inheritance

of course my brother and sisters are aware of this situation,along with my wife. My children and grands are not aware of the inheritance and I plan to keep it that way. The idea of putting a portion for childrens retirement accounts sounds good,I assume that can be done at Fidelity without their kn...
by Dottie57
Mon Nov 11, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 143
Views: 7810

Re: Saving seats on Southwest

I travel infrequently. From the stories here, SWA is not an option for me. I’ll pay more for a less aggravating airline and seat assignment. It just depends on what is more aggravating to you. It's aggravating to me to have to pay $30 to $50 for either a checked bag or a carry on large enough for m...
by Dottie57
Mon Nov 11, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 44
Views: 5865

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

By the way, bitcoin is speculation, not an investment.

OP: Is the real estate mortgaged or not? Makes a big difference.
by Dottie57
Mon Nov 11, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7088

Re: Should I buy the family cottage?

How would you primarily feel if you learned tonight that your father had accepted a stranger's offer and sold it to him? Relief? Or sorrow? In your place, given everything you've written about your history with it (for your kids as well) and your future use of it, I'd buy it in a heartbeat. It's no...
by Dottie57
Mon Nov 11, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Questions re mobile virtual network operators (MVNOs)
Replies: 7
Views: 337

Re: Questions re mobile virtual network operators (MVNOs)

I use Cricket which is owned by ATT. Visit their web site.

I expect each MVNO has their own rules so you will have to check out their web sites.
by Dottie57
Mon Nov 11, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1462

Re: VPN SWR % question

50ismygoal wrote:
Sun Nov 10, 2019 2:38 pm
Perhaps because I’m doing this on an iPad, I can’t seem to make a go of it.
I am on an iPad and am able to modify the copied sheet. I use the Sheets app from app store. It is worth the effort to enable yourself to use.
by Dottie57
Mon Nov 11, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 143
Views: 7810

Re: Saving seats on Southwest

I travel infrequently. From the stories here, SWA is not an option for me. I’ll pay more for a less aggravating airline and seat assignment. It just depends on what is more aggravating to you. It's aggravating to me to have to pay $30 to $50 for either a checked bag or a carry on large enough for m...
by Dottie57
Mon Nov 11, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 44
Views: 5865

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

Suggest 50/50 allocation stock to bonds. Friend needs to have assets which can be sold during a bad, long crash in real estate.
Both rent and selling price can go down drastically.

Encourage friend to get a different job and perhaps training.
by Dottie57
Mon Nov 11, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 143
Views: 7810

Re: Saving seats on Southwest

I travel infrequently. From the stories here, SWA is not an option for me. I’ll pay more for a less aggravating airline and seat assignment.
by Dottie57
Sun Nov 10, 2019 3:57 pm
Forum: Personal Investments
Topic: What should the AA of a young retiree be?
Replies: 20
Views: 1550

Re: What should the AA of a young retiree be?

Let’s say a person retires at age 37 with a net worth 35 times of annual expenses. What should their AA be? It depends. You could consider 60% stocks, 40% fixed income. Let’s assume the investor is not very emotional and wouldn’t sell in a down market. You need enough in fixed income to cover durin...
by Dottie57
Sun Nov 10, 2019 1:31 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 128
Views: 9484

Re: Spend It All vs. Leave $$ for the Kids

Find most of these replies odd... in that it somewhat assumes that the money would be left to very young people (children/ young adults) .... which would be far from the norm. Much more likely an inheritance to be going to middle-aged / nearing retirement / in retirement descendants. By that point ...
by Dottie57
Sun Nov 10, 2019 12:25 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 128
Views: 9484

Re: Spend It All vs. Leave $$ for the Kids

Find most of these replies odd... in that it somewhat assumes that the money would be left to very young people (children/ young adults) .... which would be far from the norm. Much more likely an inheritance to be going to middle-aged / nearing retirement / in retirement descendants. By that point ...
by Dottie57
Sun Nov 10, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 16
Views: 963

Re: Kindle/Paperwhite -E Reader

I'd buy new - even though it's not big bucks, for all the reasons earlier posters mentioned, a few dollars more during BF or prime day is more than worth it to get a sealed, brand new version. I love my paperwhite - bought it last year on prime day for $79. Only thing I wish it had was the waterpro...
by Dottie57
Sun Nov 10, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3104

Re: What is this sound in the house?

Ghosts. I'm leaning towards rodents, but if one is persuaded that the noise has a quality that haunts them with the spirit or story of something else, then that explanation may be a better description... just be sure that any rituals to remove the ghost involve sprinkling of rat poison to be effect...
by Dottie57
Sun Nov 10, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 117
Views: 9571

Re: Seller's agent not letting us use a buyer's agent

If I were determined to to purchase, I would send a request to seller’s home -asking to view home again along with info on how much you like the home. I assume the seller would be mad as hell at the agent.
by Dottie57
Sat Nov 09, 2019 10:54 pm
Forum: Personal Investments
Topic: Is this a reasonable allocation for early 30s
Replies: 9
Views: 1038

Re: Is this a reasonable allocation for early 30s

One thing you may want to consider is target date fund that matches your stock/bond allocation. Yes, you may pay slightly higher ER but you would have the simplicity and would have access to total stock market. I agree. Target date retirement funds are good. Automatic rebalancing. And a nice glide ...
by Dottie57
Sat Nov 09, 2019 10:33 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 83
Views: 4533

Re: If you were forced to pick an alternative asset...

This is NOT Intellectualy stimulating. Many if not most BH want a simple 3 fund portfoliowith market returns.

You need a good hobby. Start looking for something that engages you.
by Dottie57
Sat Nov 09, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 83
Views: 4533

Re: If you were forced to pick an alternative asset...

If you can’t stop doing financially destructive actions, get a job. 60 hrs a week. Hopefully that would stop any urges.
by Dottie57
Sat Nov 09, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Should I replace my HVAC system or get home warranty plan?
Replies: 17
Views: 860

Re: Should I replace my HVAC system or get home warranty plan?

18 years is an old system. Replace it and be done with it.
by Dottie57
Sat Nov 09, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3104

Re: What is this sound in the house?

Ghosts.
by Dottie57
Sat Nov 09, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2797

Re: House for Sale--How Much to Tell Potential Buyer

There are some houses in my development that are located adjacent to a business. The business owner employs a landscaper to blow the parking lot daily in the early morning with a loud leaf blower. The noise ordinance in my city does not apply to leaf blowers or landscaping/construction, therefore t...
by Dottie57
Sat Nov 09, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 140
Views: 6932

Re: Do you charge your employer for the time that you spend working on your off days?

If you are an exempt employee, there is not much for you to do about it. I disagreed. I do not take the call and answer my email on my off day. KlangFool Well, it goes both ways. The employer does not track my time at work or check my work mostly, but expects me to meet the mutually set expectation...
by Dottie57
Sat Nov 09, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 32
Views: 2800

Re: Why no one created a etf of dividend free stocks

There are some people who would like to keep their taxable income to a minimum in order to be eligible for subsidized healthcare and other means-tested government programs. For these people, dividend-free and low-dividend stocks are an excellent choice. How big would that pool f people be? I really...
by Dottie57
Fri Nov 08, 2019 1:44 pm
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6648

Re: Boglehead investing through a major downturn

2008 - I upped the contribution % of stocks in 401k. I also sold 1 year of stocks to move into bonds and it was a mistake. I was terrified that my investments would go to zero because of the financial system crisis.
by Dottie57
Fri Nov 08, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage to prepay or not prepay
Replies: 79
Views: 5482

Re: Mortgage to prepay or not prepay

I was just wondering where individuals thought the collective Boglehead group was on the subject. I know the majority of investing subjects there is a general consensus on broad principles. My thinking is it’s probably 60% prioritize taxable investing over prepay mortgage. I figured others had a be...
by Dottie57
Fri Nov 08, 2019 9:14 am
Forum: Personal Investments
Topic: Is a $36 fee per year worth paying on my HSA so that money can grow in the market?
Replies: 21
Views: 1738

Re: Is a $36 fee per year worth paying on my HSA so that money can grow in the market?

I had Optum at a previous employer. They are huge in the HSA realm. I would not worry about $36 a year fee. I had optum HSA too.. web site is not great. Fund selection was ok too. This year I transferred HSA to FIDELITY. The fee at Optum is ok. It is not the reason I moved to Fidelity.
by Dottie57
Fri Nov 08, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7088

Re: Should I buy the family cottage?

I agree with getting the cottage inspected by a very thorough and good inspector. You need too know this.

Don’t buy with any siblings. If condition is acceptable and you truly want it, buy it.
by Dottie57
Thu Nov 07, 2019 2:11 pm
Forum: Personal Investments
Topic: Retirement
Replies: 21
Views: 2702

Re: Retirement

At first I saved 6%, then moved to 10%, then 15% for quite a few years. When I could put the max in 401k I was delighted. Later on I added Roth IRA. And later yet I added taxable Kept expenses low -especially housing. When I take SS i will have more spendable income than I have ever had. Consistency...
by Dottie57
Thu Nov 07, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2220

Re: Question on refilling prescriptions

Seems I need to research which medications can be halved and which cannot and also to find a good online medication contraindications data base. No, you need to find a good pharmacist and discuss all your meds at once, and any changes to meds in the future. Not everything in life is a do it yoursel...
by Dottie57
Thu Nov 07, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: New tables for required distributions
Replies: 12
Views: 932

Re: New tables for required distributions

So it looks like bigger divisors and therefore smaller RMDs.
by Dottie57
Thu Nov 07, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: Annuity buy out offer
Replies: 33
Views: 1558

Re: Annuity buy out offer

Your friend needs toconfirm the exact total payout. They also need to know the taxable amount.
by Dottie57
Thu Nov 07, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1061

Re: Flooring

We put luxury roll vinyl in our last house. Looked great and was easy to install as it was a no-glue type. Did people guess it wasn’t hardwood? The printed pattern was slate tiles, it was fairly think and had elevation changes for fake grout lines, etc, but was fairly soft. Everyone really liked it...
by Dottie57
Thu Nov 07, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability and Financial Independence - Drop Coverage?
Replies: 25
Views: 1129

Re: Long Term Disability and Financial Independence - Drop Coverage?

Yes it’s a group policy with my employer. The payout would be offset by any compensation provided by my work (deferred bonuses, which in my case is RSUs which I’m not sure would apply), and government assistance. It doesn’t mention dividends, which in my case are over 20k per year (half of which is...
by Dottie57
Thu Nov 07, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability and Financial Independence - Drop Coverage?
Replies: 25
Views: 1129

Re: Long Term Disability and Financial Independence - Drop Coverage?

You say you’re looking at 2020 benefit enrollment, so this must be a group LTD policy. For most group LTD, the benefit amount is subject to offsets. So while your gross benefit amount is $6250, the net is probably much less after state disability, SSDI, etc., if you also receive those benefits. Fin...
by Dottie57
Thu Nov 07, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1061

Re: Flooring

runner3081 wrote:
Thu Nov 07, 2019 11:25 am
We put luxury roll vinyl in our last house. Looked great and was easy to install as it was a no-glue type.
Did people guess it wasn’t hardwood?
by Dottie57
Thu Nov 07, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1061

Re: Flooring

I am looking at new flooring for a rental unit. The unit is a condo. We have had carpet but frankly, it does not hold up well. I am looking at luxury vinyl tile, vinyl, laminate hardwood, and carpet.  Curious if any BH has any experience with these or other floor choices. There is no shortage of ch...
by Dottie57
Thu Nov 07, 2019 11:27 am
Forum: Personal Investments
Topic: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash
Replies: 38
Views: 2610

Re: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash

The idea for investing is “Sell high, Buy low”. In order to do that you need to sell when stocks are high and buy when they have crashed. I have varied that by continually buying while working an sell when AA is oyt of balance.


In retirement the rule is to sell what is doing the best.
by Dottie57
Tue Nov 05, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4058

Re: Your Fantasy Kitchen (Cookware-wise)

They don't use all-clad in the fancy restaurants and their dishes turn out just fine. I reached a point where I was going to splurge and buy some fancy pots. So I went to the store and was ready to buy a set of the second-most expensive. And they explained to me that I shouldn't put them in the dis...
by Dottie57
Tue Nov 05, 2019 10:55 pm
Forum: Personal Investments
Topic: Parent's retirement investing help
Replies: 16
Views: 1818

Re: Parent's retirement investing help

Agree with above.
by Dottie57
Tue Nov 05, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4058

Re: Your Fantasy Kitchen (Cookware-wise)

Sorry Ican’t help since you have my fantasy cookware. Easy over eggs - do the in nonstick ans. I think a well seasoned iron. Pan would work well. I don’teven know what a saucier pan is. I think you just need to cook more and try more. Analyze thesasonings. And cooking directionns. Add your own touch...
by Dottie57
Tue Nov 05, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: How should I structure this trust? (special needs child)
Replies: 7
Views: 573

Re: How should I structure this trust? (special needs child)

ChiLawyer wrote:
Tue Nov 05, 2019 8:29 am
For issues this complex, call an attorney in the state where you live. Don't leave your family's welfare to the "wisdom" of strangers on the internet.
+1000
by Dottie57
Tue Nov 05, 2019 11:50 am
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 298
Views: 17657

Re: Holding bonds vs 100% equities

I do agree with Klangfool.
by Dottie57
Tue Nov 05, 2019 11:26 am
Forum: Personal Investments
Topic: Stock market at its peak
Replies: 32
Views: 4607

Re: Stock market at its peak

Invest now. Put 20 to 50 percent in bonds. Rebalance when it gets 10% out of balance. It does work.
by Dottie57
Tue Nov 05, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1890

Re: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

adamthesmythe wrote:
Tue Nov 05, 2019 9:54 am
Brianmcg321 wrote:
Tue Nov 05, 2019 9:48 am
"No". It's a complete sentence.
It may be a very good idea to avoid giving reasons. That may open up a debate about your reasons.

Don't hedge, don't equivocate. This is an unreasonable request and there may be no way to avoid negative feelings.
Bingo!
by Dottie57
Tue Nov 05, 2019 6:00 am
Forum: Personal Investments
Topic: Your Opinion Please [Asset Allocation]
Replies: 14
Views: 1210

Re: Your Opinion Please

yes i have been on the forum for years and dont need to take the risk but there are plenty of people who have been on this forum for long periods of time who are going to take a look and still make sure that what your doing works well for you...this is why i ask the question as im reading quite a b...
by Dottie57
Tue Nov 05, 2019 5:23 am
Forum: Investing - Theory, News & General
Topic: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?
Replies: 63
Views: 5424

Re: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?

OP,

Set a savings/investment goal of 20-25% of gross. The rest is spendable. As your income increases so will savings and spending. This should get you a pretty good retirement. The danger in spending more now is that you will want more in retirement too . Keep spending in check.
by Dottie57
Mon Nov 04, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: will or living revocable trust
Replies: 15
Views: 1182

Re: will or living revokable trust

I'm married, no children and we are trying to get our financial documents in order and not sure what we need. The house is in my name only, I do not have the deed (it was never sent to me when I paid off the mortgage). If I died, I need to make sure my spouse gets the house. Do we need a will or a ...
by Dottie57
Mon Nov 04, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a mortgage after retirement
Replies: 24
Views: 1590

Re: Getting a mortgage after retirement

RickBoglehead wrote:
Mon Nov 04, 2019 12:23 pm
Dottie57 wrote:
Mon Nov 04, 2019 12:06 pm

And what type of assets youcan use.
If you look at the Kiplinger link, it's basically anything you can get your hands on. So if you're vested and can withdraw something, that counts. IRAs, etc.
Thank you. I am thinking of a different condo within the next two years or so.